LOB
Live Oak Bancshares, Inc.
NYSE: LOB · FINANCIAL SERVICES · BANKS - REGIONAL
$37.07
-1.41% today
Updated 2026-05-01
Market cap
$1.75B
P/E ratio
14.44
P/S ratio
3.41x
EPS (TTM)
$2.62
Dividend yield
0.31%
52W range
$25 – $43
Volume
0.3M
WallStSmart proprietary scores
72
out of 100
Grade: B
Buy
Investment rating
9.3
Growth
A+6.5
Quality
B7.0
Profitability
B+6.0
Valuation
B4/9
Piotroski F-Score
Moderate
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$42.75
+15.32%
12-Month target
$41.03
+10.68%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy1 Buy3 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 24.60% — above average
+ Free cash flow $70.39M — positive
+ Revenue growth 29.10% QoQ
+ Debt/equity 0.08x — low leverage
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $508.83M | $776.55M | $929.29M | $1.04B | $512.21M |
| Net income | $176.21M | $73.90M | $77.47M | $103.78M | $30.04M |
| EPS | — | — | — | — | $2.62 |
| Free cash flow | $80.73M | $573.23M | $487.16M | $143.49M | $70.39M |
| Profit margin | 34.63% | 9.52% | 8.34% | 9.97% | 24.60% |
Peer comparison
Smart narrative
Live Oak Bancshares, Inc. trades at $37.07. representing a P/E of 14.44x trailing earnings. Our Smart Value Score of 72/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. TTM revenue stands at $512.21M. with profit margins at 24.60%.
Frequently asked questions
What is Live Oak Bancshares, Inc.'s stock price?
Live Oak Bancshares, Inc. (LOB) trades at $37.07.
Is Live Oak Bancshares, Inc. overvalued?
Smart Value Score 72/100 (Grade B, Buy).
What is the price target of Live Oak Bancshares, Inc. (LOB)?
The analyst target price is $42.75, representing +15.3% upside from the current price of $37.07.
What is Live Oak Bancshares, Inc.'s revenue?
TTM revenue is $512.21M.
Piotroski F-Score?
4/9 — moderate financial health.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio3.41x
ROE10.90%
Beta1.90
50D MA$35.42
200D MA$35.16
Shares out0.05B
Float0.04B
Short ratio—
Avg volume0.3M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
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5 years—